Retirement Planning - India: EPF, NPS, and Beyond

For employees in India who want to understand their retirement options and plan ahead.

Format
Live online or in person
Length
30 minutes to full day
Topic
Financial Wellbeing
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About this session

Retirement savings in India can sit across several systems that behave very differently. An employee may have an EPF balance, EPS pension service, an NPS Tier I account, employer retirement benefits, VPF, PPF, private retirement products, and other savings or investments.

Putting all of them under the heading 'retirement' does not make their rules interchangeable.

This session starts by separating EPF, EPS and EDLI and showing employees how to review UAN, passbook and service information before making retirement decisions.

Participants then explore NPS as a different, market-linked retirement system — including PRAN, Tier I, Corporate and All Citizen models, Pension Fund and asset-allocation choices, Active Choice, Auto Choice and the newer Multiple Scheme Framework — without receiving investment recommendations.

The later modules examine the retirement layer beyond EPF and NPS, including VPF, employer superannuation where offered, PPF and private pension or annuity arrangements at a high level.

Participants then connect those resources with current EPF and NPS exit rules, EPS pension questions, NPS annuity and newer retirement-income options, inflation, longevity, healthcare, nominations and family considerations.

They leave with an India Retirement Review Checklist rather than a prescribed retirement strategy.

What your people take away

  • Understand the different roles of EPF, EPS and EDLI and review the employment records behind retirement rights
  • Understand NPS account structure, investment-choice architecture and current withdrawal / exit concepts without receiving fund or allocation recommendations
  • Distinguish VPF, PPF, employer superannuation, gratuity and private retirement plans from the core EPF / NPS systems
  • Connect EPF, EPS and NPS with the transition from retirement accumulation to retirement income
  • Build a repeatable India Retirement Review Checklist and recognize questions requiring individualized pension, tax, investment, insurance, or legal advice

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  • What each length covers, 30 minutes to full day
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What each length covers

30 minutes

30 Minutes — Key Points: Understand Your EPF & EPS Record

A focused 30-minute session on three key points from Understand Your EPF & EPS Record: separate EPF, EPS & EDLI before reviewing the numbers, use UAN & the member passbook to follow the retirement record and understand EPS service without trying to calculate the pension.

  • Separate EPF, EPS & EDLI before reviewing the numbers
  • Use UAN & the member passbook to follow the retirement record
  • Understand EPS service without trying to calculate the pension

Covers 3 of 4 points in Understand Your EPF & EPS Record.

60 minutes

60 Minutes — Module 1: Understand Your EPF & EPS Record

Start with India's employment-linked retirement foundation. Participants distinguish EPF, EPS and EDLI, understand the role of UAN and the Member Passbook, locate contribution and service information, identify possible record gaps, and learn why changing jobs does not automatically mean retirement savings should be withdrawn.

  • Module 1: Understand Your EPF & EPS Record
  • India Retirement System Map
  • EPF / EPS / EDLI Explainer
  • UAN & Member Passbook Review
  • EPF Contribution & Service Record Questions
  • Job Change, Transfer & Nomination Checklist
  • Live Q&A

Covers 1 of 4 parts: Understand Your EPF & EPS Record.

90 minutes

90 Minutes — Modules 1 and 2: Understand EPFO Retirement & NPS

Build on EPF and EPS record literacy with a practical introduction to NPS. Participants distinguish Tier I from Tier II, Corporate NPS from All Citizen NPS, understand PRAN and account records, and explore Pension Fund, Active Choice, Auto Choice and Multiple Scheme Framework concepts without selecting an investment strategy.

  • Module 1: Understand Your EPF & EPS Record
  • Module 2: Understand NPS & How It Is Invested
  • NPS Account & PRAN Map
  • Tier I vs Tier II
  • Corporate vs All Citizen NPS
  • Active Choice / Auto Choice / MSF Explainer
  • Live Q&A

Covers 2 of 4 parts: Understand Your EPF & EPS Record and Understand NPS & How It Is Invested.

3 hours

Covers 3 of 4 parts: Understand Your EPF & EPS Record, Understand NPS & How It Is Invested and Build the Retirement Layer Beyond EPF & NPS.

Full day

Full Day — Complete India EPF, NPS & Beyond Workshop

Explore all four modules with time for EPFO record review, NPS account and investment-choice exercises, additional retirement-resource mapping, and retirement-income planning. Participants learn how EPF, EPS, NPS and other retirement resources fit together and leave with an India Retirement Review Checklist rather than a prescribed contribution, fund, product, withdrawal, or retirement strategy.

  • Module 1: Understand Your EPF & EPS Record
  • Module 2: Understand NPS & How It Is Invested
  • Module 3: Build the Retirement Layer Beyond EPF & NPS
  • Module 4: Move From Retirement Savings to Retirement Income
  • UAN and passbook review exercise
  • EPF / EPS record and job-change scenarios
  • NPS investment-choice education
  • NPS withdrawal and exit framework
  • VPF / PPF / employer / private retirement-resource comparison
  • India Retirement Review Checklist
  • Live Q&A

Covers all 4 parts.

Also available as a 4-week or 8-week program, for change that lasts. Ask us about it.

What’s covered

Understand Your EPF & EPS Record

Every length
  • Separate EPF, EPS & EDLI before reviewing the numbersParticipants learn the different roles of the Employees' Provident Fund, Employees' Pension Scheme, and Employees' Deposit Linked Insurance.
  • Use UAN & the member passbook to follow the retirement recordParticipants learn how UAN supports continuity across covered employment and how Member IDs, contribution records and passbook information can be reviewed.
  • Understand EPS service without trying to calculate the pensionParticipants explore how eligible service, pensionable salary, age and the applicable pension category can affect EPS rights.
  • Treat job changes & withdrawals as retirement decisions, not administration onlyParticipants examine what should be checked when employment ends.

Understand NPS & How It Is Invested

90 minutes and longer
  • Distinguish NPS from EPF & understand the account structureParticipants learn that NPS is a PFRDA-regulated, defined-contribution and market-linked retirement system rather than another EPF account.
  • Understand who makes the investment choicesParticipants examine Pension Fund and asset-allocation choice under current NPS rules.
  • Compare Active Choice, Auto choice & Multiple Scheme FrameworkParticipants learn how Active Choice allows direct allocation decisions, Auto Choice uses age-linked life-cycle allocation, and the Multiple Scheme Framework can provide additional scheme flexibility for eligible non-government subscribers.
  • Read NPS information without chasing short-term returnsParticipants compare account statements, contribution records, scheme information, asset exposure, charges and longer-term performance using consistent questions.

Build the Retirement Layer Beyond EPF & NPS

3 hours and longer
  • Understand VPF without assuming more EPF is always betterParticipants learn how Voluntary Provident Fund contributions can add employee saving within the provident-fund structure where applicable and why additional employee contribution does not automatically create additional employer matching.
  • Place employer superannuation & gratuity in the right categorySome employers provide an approved superannuation arrangement or other retirement support, while eligible employees may also receive gratuity on qualifying employment exits.
  • Understand PPF & other long-term personal savingsParticipants position Public Provident Fund and other long-term personal savings alongside employment and pension systems rather than treating them as interchangeable with EPF or NPS.
  • Compare private pension & annuity products by characteristicsParticipants compare supplied private retirement products using contribution or premium commitment, guarantees, non-guaranteed benefits, investment exposure, costs, liquidity, surrender conditions, payout options, survivor benefits and provider risk.

Move From Retirement Savings to Retirement Income

Full day only
  • Understand EPF & EPS at the retirement transitionParticipants examine how EPF accumulation, EPS pension rights and applicable claim routes can become relevant when employment ends or retirement approaches.
  • Use current NPS exit rules — not the old 60 / 40 shortcutParticipants learn that PFRDA materially changed non-government NPS exit rules during 2025 and 2026 and that older explanations of a universal 60% lump sum and 40% annuity are no longer an adequate description of every case.
  • Understand annuity, ris & drawdown as different retirement-income toolsParticipants explore annuity income, Retirement Income Schemes and current NPS drawdown options at a high level.
  • Build one Retirement Review across all the piecesParticipants bring EPF, EPS, NPS, employer retirement resources, PPF, private plans and other assets into one review process covering retirement income, inflation, longevity, healthcare, housing, family responsibilities, nominations and unresolved professional questions.
Live Q&ATime for your people’s questions, answered by the expert.
60 minutes and longer

Tools and materials

  • India Retirement System Map
  • India Retirement Terminology Guide
  • EPF / EPS / EDLI Explainer
  • UAN & Member Passbook Review
  • EPF Contribution Record Checklist
  • Missing EPFO Record Questions
  • EPF vs EPS Retirement Map
  • EPS Service & Pension Questions
  • Job Change & Preservation Checklist
  • NPS Account & PRAN Map
  • Tier I vs Tier II Guide
  • Corporate vs All Citizen NPS Guide
  • Active Choice / Auto Choice / MSF Comparison
  • NPS Account Review Questions
  • Current NPS Exit Framework

How booking works

  1. Book online. Create a free Workbliss profile, then pay with session credits, by card or by invoice.
  2. Pick a date. Choose a date at least 14 days ahead, or book now and set the date later.
  3. Choose your expert. Within 3 working days, we send you profiles of the experts available for your date.
  4. We deliver it. Your expert is briefed on your people and goals, then runs the session live online or at your site.

Questions about Retirement Planning - India: EPF, NPS, and Beyond

How long is Retirement Planning - India: EPF, NPS, and Beyond?

Retirement Planning - India: EPF, NPS, and Beyond runs as 30 minutes, 60 minutes, 90 minutes, 3 hours or full day. You choose the length when you book. A 30-minute session covers three key points from Understand Your EPF & EPS Record: separate EPF, EPS & EDLI before reviewing the numbers, use UAN & the member passbook to follow the retirement record and understand EPS service without trying to calculate the pension. A 60-minute session covers Understand Your EPF & EPS Record in full, with a live Q&A. A 90-minute session adds Understand NPS & How It Is Invested. A 3-hour session adds Build the Retirement Layer Beyond EPF & NPS. A full-day session adds Move From Retirement Savings to Retirement Income. It is also available as a 4-week or 8-week program.

Can Retirement Planning - India: EPF, NPS, and Beyond be delivered online or in person?

Yes, both. It runs live online, so every office can join at the same time, or in person at your site, in any country.

How do we book Retirement Planning - India: EPF, NPS, and Beyond?

Create a free Workbliss profile with your work email, then open Retirement Planning - India: EPF, NPS, and Beyond to see the price for each length and book it. You can pay with session credits, by card or by invoice, and choose a date at least 14 days ahead, or set it later.

Who leads the session?

A vetted Workbliss expert, briefed on your people, culture and goals before the session. After you book, we send you profiles of the experts available for your date within 3 working days, so you can choose who leads it.

Can it be tailored to our company?

Yes. Every session is shaped around your goals, your people and the benefits you already offer, and delivered by experts in your people’s languages.

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